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Understand that he never intentionally meant to hurt you. Understand and buy into the following two concepts: change is hard and people can’t change for you.

No matter what you did or did not do, your ex was, is and will continue to be a person with certain behaviors, habits, thoughts and ways of doing relationships. Forgive your ex, forgive yourself, and understand that her behavior was not your fault.

You have been looking for that kind of love all of your life. If you were only good enough, smart enough, attractive enough, patient enough, your ex would have given you the love you wanted, all of the time. Anger arises when someone has something you want but won’t give it to you, especially when giving it seems the natural or expected thing to do. It is very difficult to throw away this type of connection.

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The interest rate to be used shall not exceed the following: Question: What about the housing loans P 400,000 and below? Answer: Yes, Pag-IBIG may still reprice the balance every three years, but the rate to be used is still the original rate. Pag-IBIG Fund imposes a penalty on non-payment of a full monthly amortization including the other obligations (such as membership contributions, insurance premiums, interest due and principal) which are already tucked into the monthly amortization due.

The penalty is set at “1/20 of 1% of the amount due for every day of the delay.” That’s not much for a single month, but if it becomes a habit, it could lead to a default which will be explained below.

In case you fail to pay three consecutive payment dues, your account is already considered in default.

If that happens, the entire balance becomes due and demandable.

The longer you have contributed and the bigger the contribution, the more loan money you can get.

As to the interest rate, it is a mere 10.75% per annum at the time of this writing. Small at it may be, for some reasons, some members who availed of the Pag-IBIG MPL Loan miss paying for amount as scheduled.

If you keep wanting to call up your ex, or show and tell him how much of a mistake he made, you are holding on with anger. Walking away from or losing such a relationship can be the hardest thing you will ever do.

Even when you walk away it may still pull at your heart. It is so much easier to let go of someone when it is clear she doesn’t care about you.

In such cases, the Pag-IBIG Fund imposes a penalty equivalent to 0.5% of the unpaid amount for every month of delay.

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